“SCOPE OF VEHICLE FINANCE Gaurav Gupta.doc

8/9/2019 “SCOPE OF VEHICLE FINANCE Gaurav Gupta.doc

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Submitted for the partial fulllment of the

requirementFor the award of Post Graduate degree

Of Master of business administration

Degree Programme of G.B, Technical University,Lucknow

SESSION200! 20""

Under the guidance of: Submitted By:Dr. Abhioshek Maheshwari Gaurav Gu#ta$aculty of %anagement %B& ! ''' ()%

*oll +o. 00-002

DEWAN.VS INSTITUTE OF ENINEE!IN

" TE#$NO%O&' MEE!UT

"


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A

(!O)E#T !E(O!T ON

*S#O(E OF VE$I#%E FINAN#E+

#ONDU#TED FO!

I#I#I ,AN-

In area of haiabad

2


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STUDENT DE#%A!ATION

' aura/ u0ta (tuent of M,A III Sem here/y eclare that the #roect

re#ort written 1 su/mitte /y me is my original work. 1 guiance of

Dr. Abhishek Maheshwari' Fa1u2t3 of Mana4ement' DIMS ' Meerut

The em#irical finings 1 conclusions in this re#ort are /ase on the

information collecte /y me uring the training session.

' also eclare that the work is one /y me sincerely 1 accurately.

)ven if any mistake or error has /een foun then it is my hum/le reuest

to the reaers to #oint out those errors 1 guie me accoringly.

AU!AV U(TA

M,A 5 III Sem

!o22 No. 67689866:7

3


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(!EFA#E

This #roect has /een esigne to analy4e the customer5s #references 1

/ehaviour towars vehicle finance. This #roect is useful for sales

manager engage in #ractical selling work as well as strategies

formulation. The sales e6ecutive 1 sales #erson are #rimarily res#onsi/le

for formulating 1 im#lementing the strategies in various areas which

contri/ute to consumer satisfaction #ricing, #hysical istri/ution,

marketing channels etc.

(tuy of management in classroom has /een much ine/te to#ic.

The two months summer training in an organi4ation #rovies a

management stuent with a real life insight into an organi4ation of

functioning.

Toay market is consumer oriente where customer is the /oss.

The sale ifference /etween selling 1 marketing is that marketing ens

with customer satisfaction not after only selling of goos, /ut selling

sto#s when the goos have sol in the market

-


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A#-NOW%EDEMENT

&n acaemic #roect work is iligent task which can /e com#lete only

with the hel# of no/le guiance. The creit for successful com#letion of

this #roect re#ort goes to my res#ecte (ir, Mr. Anu; T3a4i 7(ales

8oorinator9 '8'8' $inance Lt. Gha4ia/a, who gave #ainstaking,

untiring hel# /y guiing constantly the su/ect matter 1 also raising

#ertinent issues.

' also want to e6#ress my heartly thanks to %r. (anee# kumar

7'8'8' $inance Lt., Gha4ia/a9 who ha /een kin enough to #rovie

relevant information 1 materials which serve useful #ur#ose.

' woul also like to thank Dr. Abhishek Maheshwari' Fa1u2t3 of

Mana4ement' DIMS ' Meerut in com#uting this #roect re#ort. This

#roect woul not have e6ecute without her hel# 1 efforts.

$inally, ' e6#ress sincere gratitue to my #arents 1 friens for their

su##ort 1 moral encouragement.

AU!AV U(TA

M,A 5 III Sem

!o22 No. 67689866:7

:


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INT!ODU#TION

& #roect work on ;S#O(E OF VE$I#%E FINAN#E IN

$A


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There is a also a wie variety of com#etition among the com#anies

which has got various #arameters like easy installment #lan, rate of

interest an various other incentives. &fter analy4ing the com#lete vehicle

market with etaile stuy of each an every segment 7scooty,/ikes, cars9

it woul /e #ossi/le to raw out the conclusion that whether the auto

market is rising of eclining with a #ro#er com#arison of cash an

finance com#onents of sale. Through this analysis the stuy can /e mae

of finance market in which the com#arison can /e one /etween

financing schemes #rovies /y various financing institutions at a glance.

'8'8' B&+


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=7>> ? The 'nustrial 8reit an 'nvestment 8or#oration of 'nia

Limite 7'8'8'9 incor#orate at the initiative of the ?orl

Bank, the Government of 'nia an re#resentatives of 'nian

inustry, with the o/ective of creating a evelo#ment financial

institution for #roviing meium@term an long@term #roect

financing to 'nian /usiness. %r. &.*amaswami %ualier

electe as the first 8hairman of '8'8' Limite.

'8'8' emerges as the maor source of foreign currency loans to

'nian inustry. Besies funing from the ?orl Bank an other

multi@lateral agencies, '8'8' also among the first 'nian

com#anies to raise funs from 'nternational markets.

=7>@ ? '8'8' eclare its first Divien at 3.:A.

=7> ? %r. G.L. %ehta was a##ointe the 2n 8hairman of '8'8' Lt.

=7@6 ? '8'8' /uiling at ">3, Back/ay *eclaimation was inaugurate.

=7@= ? The first ?est German loan of D% : million from


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=7@8 ? '8'8' mae its first e/enture issue for *s. > crore, which was

over su/scri/e.

=7@7 ? $irst two regional offices in 8alcutta an %aras were o#ene.

=78: ? (econ entity in 'nia to set@u# merchant /anking services.

? %r. C.T. Parekh a##ointe as the thir 8hairman of '8'8'.

=788 ? '8'8' s#onsors the formation of Cousing Develo#ment $inance

8or#oration. %anage its first euity #u/lic issue.

=78 ? %r. ames *a a##ointe as the fourth 8hairman of '8'8'.

=787 ? %r. (iharth %ehta a##ointe as the fifth 8hairman of '8'8'.

=7: ? Becomes the first ever 'nian /orrower to raise )uro#ean E

currency Units.

? '8'8' commences leasing /usiness.

=79 ? %r. (. +akarni a##ointe as the si6th chairman of '8'8'.

=7> ? %r. +. Faghul a##ointe as the seventh 8hairman an

%anaging Director of '8'8'.

=7@ ? '8'8' first 'nian 'nstitution to receive &DB Loans. $irst #u/lic


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=779 ? '8'8' sets u# '8'8' Bank

=77@ ? '8'8' /ecomes the first com#any in the 'nian financial sector

to raise GD*.

? '8'8' announces merger with (8'8'.

? %r.


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OVE!VIEW

'8'8' Bank is 'nia5s secon !largest /ank with total assets of a/out *s.

"->,2"- crore at Decem/er 3", 200- an #rofit after ta6 of *s. ",3"

crore in the nine months ene Decem/er 3", 200- 7*s. ",>3 crore in

fiscal 200-9. '8'8' Bank has a network of a/out :30 /ranches an

e6tension counters an over ",0 &T%s. '8'8' Bank offers a wie range

of /anking #roucts an financial services to cor#orate an retail

customers through a variety of elivery channels an through its

s#eciali4e su/siiaries an affiliates in the areas of investment /anking,

life an non@life insurance, venture ca#ital an asset management. '8'8'

Bank set u# its international /anking grou# in fiscal 2002 to cater to the

cross /orer nees of clients an leverage on its omestic /anking

strengths to offer #roucts internationally. '8'8' Bank currently has

su/siiaries in the Unite


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)6change 7+H()9.&s reuire /y the stock e6changes, '8'8' Bank has

formulate a 8oe of Business conuct an )thics for its irectors an

em#loyees.&t ril -, 200:, '8'8' Bank, with free float market

ca#itali4ationI of a/out *s. 30.00 /illion 7U(J .00 /illion9 ranke thir

amongst all the com#anies liste on the 'nian stock e6changes.'8'8'

Bank was originally #romote in "- /y '8'8' Limite, an 'nian

financial institution, an was its wholly owne su/siiary. '8'8'5s

shareholing in '8'8' Bank was reuce to ->A through a #u/lic

offering of shares in 'nia in fiscal ", an euity offering in the form of

&D*s liste on the +H() in fiscal 2000, '8'8' Bank5s acuisition of

Bank of %aura Limite in an all@stock amalgamation in fiscal 2002.

'8'8' was forme in ":: at the initiative of the ?orl Bank, the

Government of 'nia an re#resentatives of 'nia inustry. The #rinci#al

o/ective was to create a evelo#ment financial institution for #roviing

meium ! term an long term #roect financing to 'nian /usinesses. 'n

the "0s, '8'8' transforme its /usiness from a evelo#ment financial

institution offering only #roect finance to a iversifie financial services

grou# offering a wie variety of #roucts an services, /oth irectly an

through a num/er of su/siiaries an affiliates like '8'8' Bank. 'n ",

"3


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'8'8' /ecome the first 'nian com#any an the first /ank or financial

institution from non@a#an &sia to /e liste on the +H().

&fter consieration of various cor#orate structuring alternatives in

the conte6t of the emerging com#etitive scenario in the 'nian /anking

inustry, an the move towars universal /anking, the managements of

'8'8' an '8'8' Bank forme the view that the merger of '8'8' with

'8'8' Bank woul /e the o#timal strategic alternative for /oth entities,

an woul create the o#timal legal structure for the '8'8' grou#5s

universal /anking strategy. The merger woul enhance value for '8'8'

shareholers through the merge entity5s access to low cost e#osits,

greater o##ortunities for earning fee@/ase income an the a/ility to

#artici#ate in the #ayments system an #rovie transaction /anking

services. The merger woul enhance value for '8'8' Bank shareholers

through a large ca#ital /ase an scale of o#erations, seamless access to

'8'8'5s strong cor#orate relationshi#s /uilt u# over five ecaes, entry

into new /usiness segments, higher market share in various /usiness

segments, #articularly fee@/ase services, an access to the vast talent

#ool of '8'8' an its su/siiaries. 'n cto/er 200", the Boars of

Directors of '8'8' an '8'8' Bank a##rove the merger of '8'8' an two

"-


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of its wholly ! owne retail finance su/siiaries, '8'8' Personal

$inancial (ervices Limite an '8'8' 8a#ital (ervices Limite, with

'8'8' Bank. The merger was a##rove /y shareholers of '8'8' an

'8'8' Bank in anuary 2002, /y the Cigh 8ourt of Guarat at &hmea/a

in %arch 2002, an /y the Cigh 8ourt of uicature at %um/ai an the

*eserve Bank of 'nia in ril 2002. 8onseuent to the merger, the '8'8'

grou#5s financing an /anking o#erations, /oth wholesale an retail, have

/een integrate in a single entity.

• $ree float holing e6clues all #romoter holings, strategic

investments an cross holing among #u/lic sector entities.

":


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INDUST!& (!OFI%E

Fehicle finance is /ecoming maor issue an maor area of o#eration for

cor#orate in 'nia. Besies #rivate sector, semi government an

nationali4e /anks are in the race. ?ith various schemes to suit your

reuirement an with attractive interest rates, these Fehicle finance

com#anies are offering most attractive finance o#tions for Fehicle

seekers.

I#I#I Vehi12e Finan1e

't5s given mortgage leners a real run for their money. ?hen it first

starte Fehicle financing o#erations in the "0s, '8'8' Bank too on

irect selling agents to source /usiness. The strategy #ai off, ena/ling

the /ank to increase #enetration in ur/an an semi@ur/an areas, while

simultaneously controlling sourcing costs, an allowing it to offer lening

rates that were marginally lower than the com#etition. The /ank currently

has a network of over :0 agents across the country. The resultE in 200-,

'8'8' Bank sanctione loans to more than 300,000 new accounts,

is/ursing a total of *s. "3,2" crore, to /ecome the country5s largest

mortgage financier that year. During the #erio ril ! Decem/er 200-,

the /ank is/urse *s. "3,"- crore, the highest in the inustry so far in a

">


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/lock of nine months. '8'8' Bank also stans out for #ioneering a host of

value ae services. These inclue free assistance in locating #ro#ertiesin select cities through a s#ecial ivision, Come (earch. $or /orrowers,

there5s a free accient insurance cover, an a Kloan shiel insurance5

#olicy that covers eath, #ermanent isa/ility an critical illness on

#ayment of s#ecial #remiums.

$DF# Vehi12e Finan1e

8om/ine a 2 year history with a value riven work ethos, an

you get a Fehicle loan colossus calle CD$8. ?hen it starte o#erations

in ", it was the only insitution #roviing mortgages. Des#ite that

mono#oly status, it constantly sought customer fee/ack on #roucts an

innovate services to /uil /ran euity. CD$8 was the first in 'nian

cor#orate history to offer $D certificates over the counter, when it /egan

acce#ting retail e#osits in the late "0s. Until then, the conce#t was

unhear of. Toay, it is 'nia5s leaing mortgage /ran.

OT$E! INSTITUTIONS

The retail outlays of the institutions are giving services, which Fehicle

seekers often o not get with traitional Fehicle finance com#anies.

"


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has to take countless leaves to o ocumentation for Fehicle loans.

'nterest rates were also mae /y the institution a maor issue to think

/efore eciing on Fehicle loans. Tata $inance Lt., 8enturion an 8iti /ank are likely to storm Fehicle finance market in near future.

Private Fehicle finance sector is also oing very well in catering the

nee for housing finance.


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financial institution an /ankers for maority of 'nians have entere with

interest rates of "2.2- A. P+B has crosse *s. :0 crore alone in %um/ai

region for Fehicle finance in very short #erio of time. .

AWA!D AND !E#ONITION FO! I#I#I ,AN-

AND Erstwhi2e I#I#I %TD

ICICI Bank

:66>

• ;Tri#le &&& Best 8ash %anagement 8ountry &war in 'nia= /y

the &sset.

:669

• ;Best Bank in 'nia= /y )uromoney.

• ;Best Cigh Hiel Borrower in 'nia= /y )uromoney

• ;'nia5s %ost 8ustomer $rienly Bank= /y utlook %oney

• ;Best Bank= /y Business 'nia

• ;'nia Derivative Couse of the Hear= /y &sia *isk

• ;Best consumer 'nternet Bank in 'nia= /y Glo/al $inance

• ;Best 8or#orate 'nstitutional 'nternet Bank in 'nia= /y Glo/al

$inance

"


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• ;%ost 8hallenging 'T 'm#lementation &war= for the '8'8' Bank

)&' #roect /y P8 Muest.

• ;Best Domestic 8ommercial Bank= in 'nia /y &siamoney

• ;Best )merging %arket Bank in 'nia= /y Glo/al $inance

• ;Best Domestic $6 Bank in 'nia= /y &siamoney Poll

• ;Best Bank of the Hear in 'nia= /y $inance &sia

• ;Best *etail Bank in 'nia= /y &sian Banker

• ;Best $oreign )6change Bank in 'nia= /y Glo/al $inance

• ;'nia5s %ost &mire Private (ector Bank= /y Business Barons

:66B

• ;Best Bank of the Hear in 'nia= /y $inance &sia

• ;The &sian Banker )6cellence in *etail $inancial (ervice

Program= /y the &sian Banker.

• ;Best Bank Domestic 8ommercial Bank in 'nia /y &siamoney=

• ;Best )merging %arket Bank in 'nia= /y Glo/al $inance%aga4ine

• ;Best %ulti@8hannel (trategy 20035 awar /y the Banker

%aga4ine, U


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• Gran Pri4e ?inner in Peak ?orkloa, Uni6 )nvironments, LTP

in ?inter 8or#5s To# Ten #rogram.

• D% *eview %aga4ine ?orl 8lass (olution &war 2003 in the

Business 'ntelligence category for its Teraata enter#rise atawarehouse solution.

• ;Best 8onsumer 'nternet Bank in 'nia= /y Glo/al $inance

maga4ine

• ;Best 'ntegrate 8onsumer Bank (ite in the &sia Pacific *egion=

/y Glo/al $inance

• ;Best $oreign )6change Bank in 'nia= /y Glo/al $inance

• ;Best Trae $inance Bank in 'nia= /y Glo/al $inance

:66:

• Bank of the year from the )merging %arkets /y the Banker

%aga4ine of U<

• Bank of the year 2002, in 'nia, /y the Banker %aga4ine of U


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• Best 8onsumer 'nternet Bank in 'nia /y Glo/al $inance

• Best Bank in 'nia /y Glo/al $inance

• 'nia5s %ost &mire Bank 2002 in the BB@T+ (ofres %oe Poll

:66=

• Best *etail Bank in 'nia from the &sian Banker

• Prouct 'nnovation &war for


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• &sian Banking &war /y the &sian Banker5s &ssociation for recor

collections uner the *esurgent 'nia Bons (cheme.

=77

• www.icici/ank.com got commene rating from the $inancial

Times, Lonon for two successive years.

• 8y/er 8or#orate &war /y the )conomic Times an %icrolan

Limite for making the /est use of 'nternet for commercial

#ur#ose.

Erstwhi2e I#I#I %td.

I#I#I

:66:

• *anke Thir KBest )m#loyer5s in a 8am#ustrack stuy amongst

the

stuents of the /est /usiness school in 'nia conucte /y

*G@%&*G.

:66=

• %r.


24/105

avertisement on television=.

• 20th 8entury &chievement &war for istinguishe service to the

cause of Develo#ment $inancing an #romoting national economic

evelo#ment /y &D$'&P 7&ssociation of Develo#ment $inancial

'nstitutions of &sia Pacific9

• KBest Presente &ccounts5 /y the 'nstitute of 8hartere

&ccountants

of 'nia for the thir year running.

• *anke fifth in the survey of 'nia5s %ost *es#ecte 8om#anies,

8onucte /y Business ?orl an '%*B.

:666

• KBest 8)5 for innovative C* #ractices to %r.


25/105

an Business Toay survey.

(!ODU#T OFFE!ED ,& I#I#I ,AN-

CSAVIN' FIED DE(OSIT' #U!!ENT and DEMAT

A##OUNTS?

art from the usual facilities, you get a free &T% car,

inter/ranch Banking, +et /anking, Bill #ay, Phone Banking, De/it

car, %o/ile /anking, among other.

CI#I#I ,AN- (!EFE!!ED A##OUNT?

& #referential saving

account where you are assingne a eicate relationshi# %anager

who is at your one #oint contact. Hou also get #rivilege like free

waivers, enhance &T% withrawal limit. Priority locker allotment

an lower interest rates on loan etc.

CSWEE( IN A##OUNT

& fi6e e#osit linke to your saving

account. (o if you are saving account so even if your savings &ccount

ruins a /it short, you can issue a cheue 7or use your &T% car9. The

money is automatically swe#t in from your saving account.

2:


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CSU(E! SAVE! A##OUNT

(u#er saver account gives you an

overraft facility u# to :A of your fi6e e#osit. 'n an emergency,

you can access your funs while your fi6e e#osit continues to earn

high interest.

CI#I#I ,AN- (%US

art from regular an #remium account '8'8'

also have '8'8' /ank PLU( ie. & current account an you can transfer

u# to *s. :0 lakh #er month at no e6tra charge /etween the four

metros. Hou can also avoi of the cheue clearing /etween the four

metros, get cash elivery#ick u# to *s. 2:000@ home elivery of

eman rafts at #er cheues, outstaning cheues, outstation cheue

clearance facility etc.

CDEMAT A##OUNT

8onuct hassle free transactions on your shares.

Hou can also access your emat account on the 'nternet.

2>


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INNOVATE SE!VI#ES FO! #USTOME! #ONVENIEN#ES AT I#I#I ,AN-

C($ONE ,AN-IN

2- hr automatic /anking services with ifferent

#hone /anking num/ers availa/le.

CATM :9 $r ,AN-IN

art from routine transactions you can also

#ay your utility /ills an transfer funs, at any of '8'8' &T%5s across

the country.

CINTE!#IT&INTE!,!AN#$ ,AN-IN

&ccess your account from any of our 2-" /ranch in

"2 cities.

CNET ,AN-IN

&ccess your /anking account from anywhere in

the worl at any time at your convenience. Hou can also view your

emat through /anking.

CINTE!NATIONA% DE,IT #A!D

2


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&n &T% car you can sho#

with all over the country an over "-0 countries with. Hou can s#en

in any currency an #ay in ru#ees.

CMO,I%E ,AN-IN

&ccess your account on your mo/ile #hone

screen at no airtime cost. Use (%( technology to conuct your

/anking transactions from your cell #hone.

%OAN FO! EVE!& NEED AT I#I#I ,AN-

C(E!SONA% %OAN

Take a loan of u# to *s 3 lakh for a weing,

eucation, #urchase of a com#uter or a holiay.

C#A! %OANS

'8'8' finance u# to 0A of the cost of the car new or

use. &n the loans come to you with easy ocumentation an s#eey

#rocessing at attractive interest rates.

CTWO W$EE%E! %OANS

Hou can get a loan for your new two wheeler.

2


29/105

C#ONSUME! DU!A,%E %OANS

To hel# you /y the /est ura/le for your home '8'8' #rovies youloan.

A((!OVED #A! #ATEO!&

#ATEO!&

= #A!S

%@00, Nen7Petrol9 , (antro ,mni ,'nica,?agon@*, &lto

#ATEO!&

: #A!S

Palio,Fersa, (koa, (cor#io, 8amary, 'nigo, 8orolla,#tra,Cona 8*F,)steem, (iena, Lancer, city, 'kon, &ccent, Uno, Mualis, 8orsa, (afari, &stra7Petrol9,Cona

FT)8,

(onata,Baleno,$or )neavour, G% $orrester

#ATEO!&

B#A!S

(umo, Bolero, Bolero 'nvaer, &ccor 7&utomatic transmi&stra7Diesel9, Baleno, Nen7Diesel9, Nen7&utomatic9,Cona automatic9, &ltura, (iena ?eeken, #el (wing

#ATEO!&

9#A!S

%@"000, Gy#sy, &m/assaor, ""@+), 8ontessa,Premier Pamani, (ierra, Tata )state

#ATEO!&

> #A!S

%ercees

2


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8&UT'+ P*$'L)

• ?ine %erchant

• Builer8ontractorBuiling %aterial (u##lier

• Trans#orter

• $ilm 'nustry Professional 7incluing actors,irectors,#roucers an

istri/utors9

• $inance com#anies $inancial services com#anies 7e6ce#t & an a/ove

rate com#anies /y '8*&8*'('L9

• (tock Brokers

• 'nsurance &gents

• &uto (#are Parts Dealers

• 8hit $uns+ihi 8om#anies

• *eal )state &gents Pro#erty ealers

• &vocates 7)6ce#t Cigh 8ourt 1 (u#reme 8ourt Lawers9

• (TDOero6 Booth #erators

• (malltime Travel 1Tour #erator 7:em#loyees9

30


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+)G&T'F) P*$'L)(

• Politicians

• Policemen 7e6ce#t 'P( 1 '&( officers9

• Bar wner 7incluing Bar cum *estaurants9

• Fieo Parlor #erators

• 8a/le #erators

• 8ontractual )m#loyees

•

CU$s, Trusts, 8reits (ocieties

• Time (hare 1%otels

• Plantation 8om#anies

3"


32/105

&PPL'8&T'+ $*%

MANDATO!& FIE%DS TO ,E FI%%ED U(

" 8U(T%)* D)T&'L(

• +ame

• *esiential an office aress with #in coe

• %arital status

• Couse owner shi#

• Hears at current aress

• Bank etails

• Phone num/er of resience an office

• Date of Birth

32


33/105

2 88UP&MT'+&L D)T&'L(

• ccu#ation

• )m#loyers +ame

• Hears with current em#loyer

• )ntity status

• Line of /usiness

• Hears of esta/lishment

• Two references

3 $'+&+8) D)T&'L(

• Prouct, /ran

• Fehicle, moel

• 'nvoice #rice

• Tenor

• $inance amount

• (cheme

• +o. of avance )%'5s

33


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%TV !ID 5 For 0ersona2 use /ehi12e on23

In1ome G@6 - @6-=66- H=66-=>6- H=>6- Tenure " @ 3 " @ 3 - ! : " @ 3 - @ : " @ 3 - @ :

#at = 0A :A :A :A :A 0A :A

#at : 0A 0A 0A :A 0A :A 0A

#at B >0A 0A 0A :A 0A :A 0A

#at 9 0A :0A 0A :0A 0A :0A 0A

#at > :0A 0A 0A 0A 0A >0A 0A

3-


35/105

3:


36/105

'+8%) P*$

(&L&*')D

• Latest 7any of last three months9 salary sli# from GovtLimite

8om#anyPvt lt%+8s

• (alary certificate from Govt Limite 8os

• 'T* fille /y Pvt Lt 8om#any )m#loyees

Proof of continuity of em#loyment Q" years 7form "> or a##ointement

lettercertificate from C* Prev salary sli# " years ol from Govt,lt,%+8

()L$ )%PLH)D

• Latest 2 years 'T*s&ssessment orers with com#utation'T88Ta6 8hallan

Q2:0k9

P&*T+)*(C'P $'*%(

I$inancial 78& certifie9 R 'T*&ssessment orer'T88STa6 challansQ2:k

I&uite financial with auit re#ort

LTDPFT LTD 8%P&+')(

• &uite financial for last two years with scheules

• Director as Gurantor in PFT LTD com#anies

3>


37/105

&G*'8ULTU*&L '+8%)

• $or all categories u#to ma6. of *s ":000@

• $or all categories u#to *s 30000@ su/ect toE

C &griculture income reflecte in last two years 'T*s

C Lower of the latest two years agriculture income consiere

+'P 8&()(

Business )m#loyment continuity for 2 years

any one

". %emoranom of association

2. 8ertificate of incor#oration

3. Partnershi# ee

-. &uite financial

:. 'T*s>0k

>. (ales ta6 *g (ho# esta/lishment certificate

. $orm "> 7(elf em#loye9

. $orm "> RLatest salary sli#

. Previous years salary sli# Rlatest salary sli#

"0. Bank statement

"". Bankers5 certificate

3


38/105

+'P 8&()• LTF of :A for 3years on category " cars

". Latest 3 months /ank statement

2. &vg. Balance Q30k constantly maintaine

3. +o cheue returns

-. &euate $re. f transactions

:. 'n case of D88 account, /alance not to e6cee limit

8@&PPL'8&+T(

8o@a##licant can /e Parents,(#ouse,(on 1 co@resiing

aughter. Partnershi# $irm or 8om#any if a##licant is Partner Director 1vice@versa

• AE (U!(OSE

I )ither of the co@a##licant nees to meet the age norms

• &ge at maturity of transaction not to e6cee 0 years for /oth

a##licant 1 co@a##licant

• IN#OME (U!(OSE

• (D# (ur0ose

3


39/105

TP UP L&+

Ob;e1ti/e ? To #rovie a to# u# loan to e6isting customers of '8'8' Bank car loans

Tar4et se4ment ? )6isting customers who have a clear re#ayment 7efine

one /ounce #er year9 an wish to avail an enhancement to the e6isting loan.

%inimum seasoning of > monyhs in a year loan an "2 monyhs in a Q"year loan

are necessary for a loan to /e to##e u#.

Etent of finan1e? u#to 0A of fresh valuation amountgri value or

loan e6isting loan amount whichever is earlier

Tenure? u#to 3> months@age of the car cannot e6cee years at the

time of maturity of the loan

ProcessE

".8ustomer with the e6isting loan a##roaches us for a to# u#.

2. +o $'TF* is to /e one if aress on a##lication form is same as the

one on our system

3. (ignature verification is to /e waive if cheues are /eing issue from

the same account asa the last loan

3


40/105

-. +o income #roof to /e taken.

:.8P&#s to check the (& of the customer to ensure that ma6. "

/ounce #er year conition is met.

>. 8ases to /e marke uner ;TP UP= #rouct in the system.

P(('BL) F&*'&+T(• To0 u0 without fore12osin4 the ear2ier 2oan

• 'n this case, the to# u# amount will /e /ooke on the system as a

new loan. The to# u# an the #rinci#al out staning cannot e6cee

0A of the value of the car.

• Payment in this case will /e only on to# u# amount.This will /e a

*&&8 variant.

• To0 u0 after fore12osin4 the ear2ier 2oan on the s3stem

• 'n this case, a newe loan will /e /ooke for the entire loan amount

an the termination value 7incluing foreclosure charges9 will /e

eucte from the is/ursement of the new loan

• Payment in this case will /e on the entire loan amount

• To ensure that D(&s o not encourage foreclosure of the loan so as

to earn higher #ayouts on the new loan, these loan will nee an

a##roval either from the #rouct team or +(% use cars

-0


41/105

Loan to value norms for use car loans

(ection " ! Pro#osal

't is #ro#ose yhat for the following LTF gri will /e a##lie for clients

who meet moifie #rouctcreit norms

In1ome GJ@6kNo in1ome

0roof 0ro/ided

H@6kto=66k =66k

%TV 0A7as against >0Acurrently9

0A7 as against 0Acurrently9

:A7 as against0A currently9

(ection 2@ Prouct an 8reit +orms%oifie #rouct 8reit normsE

#riterion Norms Va2idation De/iation%e/e2

Vehi12e to

be

funde

d

%aruti 00 %aruti&lto%aruti Nen7#etrol9(antro?agon*)steem&ccentCona8ity7 only manualtransmission moels allowe9

#lication$ormFaluationre#ort

+oeviation to

/ee6cerciseon thisnorm

Maimum

a4e ate theend of the

tenor

> years #lication

$ormFaluationre#ort

+o

eviation to /ee6cerciseon thisnorm

E2i4ib2e

borrower

1ate4or3

$uning to iniviual@(alarie an (elf em#loyefor #ersonaluse7 Ta6i8ommercial use notallowe9

#lication$orm'entity

#roof

+oeviation to

/ee6cerciseon this

-"


42/105

norm(houl meet one comfort conition each out of the comfort conition liste in #art &

an #art B

(art A

wnershi#of

#remises

)ither resienceor the officeshoul /e inowne #remises

)lectricity /ill(hare8ertificate (ale&ggrementPro#erty ta6 /ill

+oeviation to

/ee6cercise

on thisnorm

&verage /ank /alance

(houl /e ".:times the

#ro#ose )%'

Balance to /e calculate /ycalculating average of

/alances on :th,":th,2:th

of every month

+oeviation to


*e#ayment

track

&s #er section >

/ of car loanscreit #olicy

&s #er section > / of car

loans creit #olicy

+o

eviation to /ee6cerciseon thisnorm

'ncome %inimum *s".: lac #er annum

'T*$orm">(alary8ertificate

+oeviation to

/ee6cercise

on thisnorm

-2


43/105

P&*T B

)m#loyment

Businesssta/ility

%inimum 2 years in the current

em#loy>ment /usiness an 3 years of total sta/ility at em#loyment/usiness

(alarieE$orm

">#ointmentletter 'entitycar(elf em#loyeE'T*(ale ta6regestration

+o

eviationto /ee6cerciseon thisnorm

Previous car ownershi#

This shoul /e"9 a vehicle other than which is

#ro#ose to /e fune29 shoul not /e more than 3 years

ol when acuire39 shoul have /een in

a##licant5ss#ouse#ro#rietorshi #name for at least "2 months

Photoco#y of the regestration

/ook

8reitmanager

an a/ovecan sign ! off theeviationof ownershi#vintage of less than"2 months

/ut morethan 3months

8reit car "9 (houl have a creit limit of atleast *s 3:000@

29 The car statement shoul notreflect any #enal charges

39 8ar shoul /e at least "2months ol7> months if issue

/y '8'8' /ank9

Latest /illingstatement anone more

/illingstatement

#ertaining tolast si6 monthsshoul /ecollecte

+oeviationto /ee6cerciseon thisnorm

IThis amenment shall /e a##lica/le at location where collectionmanager is /ase

I&ll norms of the car loan creit #olicy other than mentione a/ove shall /e a##lica/le

-3


44/105

()8T'+ 3 ! T*&8


45/105

%inimumLoan tenor

3> months for stanar #rofile

#lication form "9*8% +(%*isk heaBusiness

Cea for caution #rofile u#to 2-months29 +(%*isk heaBusiness ana/ove for anyother com/inationof tenors an

#rofiles

&ge of thecar

&t the en of tenor shoulnot /e morethan > years

*8 /ook alongwith thea##lication form

Business hea ana/ove

'+8%) "9$or self em#loye

/usiness entitiesatleast *s >000@

#.a 7for currentan #revious

/year929$or salarie *s"00000@ #.a 7$or current year9

'T*s "9*8%+(%for shortfallu#to "0A29+8%

Business hea*isk hea for shortfall u#to20A39 $or shortfallQ20A

/usinesshea*isk hea

#OMFO!T#ONDITION &ny one of thefollowingconition to /esatisfie

"9 wneresienceowneoffice

29 'n thecurrent

"9 (harecertificate (aleee)lectricity /ill

29 (ho# anesta/lishmentcertificate of thecommencement of the

"9+8%Business hea*isk Cea for thevaliationocument29therwise

/usiness hearisk hea

-:


46/105

/usiness for at least :years7self

em#loye9in current

o/ for 3years7salarie9

39 *e#aymenttrack

-9 Cealthy /ank

statement

/usinessauitefinancialssalar

y sli#$orm@">Letter fromthe em#loyer

39 &s efine inthe section >7/9of the auto

#olicy-9 &s efine in

the section : of

the auto #olicyfor thealternate to theincome #roof

LTF&s #er theGri

&s #er theGri

"9U#to :A@+8%+(%Businesshea*isk hea

29 Q:A Business hea *isk

Cea an a/ove

• +o income #roof #rouct not to /e one for this variant.

• 'niviual em#loye with #ro#rietorshi# an #artnershi#

firms shall not ualify for this variant.

• +o is/ursment to /e mae to the D%&ealer 7otherwise

a##lica/le for the use cars9 uner this variant.

• &ll creit an the ocuments norms of the use car #olicy

not mentione in this note shall a##ly

->


47/105

%TV !ID

$or tenor u#to 2 years an stanar #rofiles only

In1ome W>0k Q>0kto"00k Q"00k

%TV as

K of

>:A 0A :A

(houl meet one comfort conition each out of the comfort conition liste in #art &

an #art B

(art Awnershi#

of #remises

)ither resienceor the officeshoul /e inowne #remises

)lectricity /ill(hare8ertificate (ale&ggrementPro#erty ta6 /ill

+oeviation to


&verage /ank /alance

(houl /e ".:times the

#ro#ose )%'

Balance to /e calculate /ycalculating average of

/alances on :th,":th,2:th

of every month

+oeviation to


*e#aymenttrack

&s #er section > / of car loanscreit #olicy

&s #er section > / of car loans creit #olicy

+oeviation to

/e

e6cerciseon thisnorm

'ncome %inimum *s".: lac #er annum

'T*$orm">(alary8ertificate

+oeviation to


-


48/105

#A! %OANS AT

LL.+I#I#I ,AN-+

#A! %OANS

'8'8' /ank car loans scheme is the most convenience way to get the loan

for your new ream car.

ADVANTAES OF #A! %OANS SE!VI#ES AT I#I#I

,AN-

(#eey #rocessing within 2- hours.

8overs the wiest range of cars an multy utility vehicle in

'nia.

$inance u# to 0A of its invoice value.

$le6i/le re#ayment o#tion "2@- month #erio.

&ttractive car loans #lans.

&mong the lowest interest rates.

Cassle free ocuments.

Pre#ayment Pre#ay the loan anytime after " months at a small

charge73A,-A9.

-


49/105

E%II,I%IT& AND DO#UMENTATION FO! #A!

%OANS

FO! SA%A!IED INDIVIDUA%S

E%II,I%IT&?

%inimum age of a##licant E2" years

%a6imum age of a##licants at loan maturity : years.

%inimum em#loymentE " year in current em#loyment an

minimum 2 year of em#loyment.

%inimum annual income E*s >0000 net annual income

Tele#hone E must at resience.

DO#UMENTATION?

Proof of 'entyE Pass#ort co#y , P&+ car, Foter 'D, Driving

license.

'ncome #roofE Latest salary sli# with $orm +o ">

&ress #roofE *ation car, Driving license, Tele#hone /ill,

P&+ car, Foter car )lectricity /ill.

-


50/105

Bank statementE +ot manatory.

FO! SE%F EM(%O&ED

E%II,I%IT&?

%inimum age of em#loymentE 2" years

%a6imum age of #licant at loan maturityE >: years.

%inimum em#loymentE 3 years in /usiness.

%inimum annual incomeE +et #rofit #rice >0000 #a. for

stanar cars an *s "00000 #a. for mi si4e an #remium

cars.

Tele#honeE must at resience.

DO#UMENTATION?

Proof of ientyE Pass#ort co#y, P&+ car, Foter 'D car,

riving license.

'ncome #roofE Latest 'T*

:0


51/105

&ress #roofE *ation carDriving license,Tele#hone

BillP&+ carFoter car)lectricity /ill.

Bank (tatementE ?aive for small cars for mi si4e an

#remium car if income is greater than *s ".: laks then /ank

statement can /e waive.

FO! (A!TNE!S$I( FI!MS

E%II,I%IT&?

%inimum incomeE +et #rofit *s. >0000 #a. for stanar cars

an *s. "00000 #a. for mi si4e an #remium cars.

%inimum turn overE Turn over *s -.: lacs.

Tele#hone E one #hone at least at /usiness an resience of the

loan e6ecuting #artner.

DO#UMENTATION?

Proof of 'entyE +&

'ncome #roofE &uite /alance sheet, #rofit an loss account for

latest 2 years an list 2 years 'T return of the com#any.

:"


52/105

&ress #roofE Tele#hone Bill)lectricity /illsho# an

esta/lishment act certificate((' registere 8ertificatessales ta6

certificates.

Bank statementE ?aive for small cars, for mi si4e an

#remium cars, if income is greater than *s. ".: lacs than /ank

statement reuirement can /e waive.

FO! (!IVATE %IMITED #OM(AN&

E%II,I%IT&?

%inimum incomeE net #rofit *s. >0000 #a. for stanar

cars an *s. "00000 #a. for mi si4e an #remium cars.

%inimum turn overE Turn over *s. -.: lacs.

Tele#honeE one #hone at least at /usiness #remises.

DO#UMENTATION?

Proof of 'entyE +&


latest 2 years an list 2 year 'T returns of the com#any.

:2


53/105



certificates.

Bank statementE +&

FO! (U,%I# %IMITED #OM(AN&

E%II,I%IT&?

%inimum incomeE net #rofit *s. >0000 #a. for stanar

cars an *s. "00000 #a. for mi si4e an #remium cars.

%inimum turn overE Turn over *s. -.: lacs.

Tele#honeE one #hone at least at /usiness #remises.

DO#UMENTATION?

Proof of 'entyE +&


latest 2 years an list 2 year 'T returns of the com#any.

:3


54/105



certificates.

Bank statementE +&

TWO W$EE%E!S %OANS AT

LLLL.I#I#I ,AN-

Two wheeler loan at '8'8' is sim#le ocumentation is minimal

an a##roval is uick.

ADVANTAES OF TWO W$EE%E! %OANS

SE!VI#ES AT I#I#I

(#ee loan a##roval

?ie variety of two wheeler finance.

$le6i/le re#ayment o#tions, ranging from > to 3> months

availa/le even at the #oint of #urchase.

*e#ay through #ost ate cheues with easy )%'5s

Lowest 'nterest rates.

Larger range of (chemes.

:-


55/105

+o guarantor reuire.

FO! SE%F EM(%O&ED O! SA%A!IED

INDIVIDUA%

E%II,I%IT&?

#licant must /e /etween 2" an >0 years of age.

#licant minimum gross income is euivalent to *s :-000@#a.

if you resie in %um/ai, Delhi, 8hennai, Banglore, 8alcutta,

Pune an -2000 #a. for all over the cities.

#licant has working for last 2 years.

#licant has a #hone at his resience or office.

DO#UMENTATION?

Proof of 'entyE Pass#ort co#y#hoto creit car voter 'D

carDriving licenseP&+ car.

Proof of aressE Pass#ort co#yrental agreement voters 'D

carDriver licensetele#hone /ill.

'ncome #roofE Latest salary sli# with form "> or latest 'T*

co#ies.

::


56/105

:>


57/105

!ESEA!#$ MET$ODO%O&

*esearch methoology is a systematic way, which consists of series of

action ste#s, necessary to effectively carry out research an the esire

seuencing to these ste#s. The marketing research is a #rocess of involves

a no. of inter@relate activities, which overla# an o rigily follow a

#articular seuence. 't consists of the following ste#sE@

• $ormulating the o/ective of the stuy

• Designing the methos of ata collection

• (electing the sam#le #lan

• 8ollecting the ata

• Processing an analy4ing the ata

• *e#orting the finings

:

Ob;e1ti/e of Stud3

!esear1h Desi4n

Sam02e Desi4n

Data #o22e1tion

Data Ana2 sis

!e0ort of findin4s


58/105

O,)E#TIVES OF T$E STUD&

The stuy unertaken inclues the stuy of vehicle market, it5s recent

growth with a s#ecial focus on sco#e of vehicle finance.

&long with all this the /asic o/ectives of the stuy unertaken are as

followsE

". To fin out the growth of vehicle market in Gha4ia/a in last one

year.

2. To fin out the growth of vehicle finance in Gha4ia/a to know the

customers #reference for various vehicles.

3. To know the customer choices for various schemes of vehicle

finance.

-. To fin out the attri/ute em#hasi4e /y '8'8' /ank to o well in

Gha4ia/a .

:


59/105

!ESEA!#$ DESIN

*esearch esign s#ecifies the methos an #roceures for conucting a

#articular stuy.

& research esign is the arrangement of conitions for collection an

analysis of the ata in a manner that aims to com/ine relevance to the

research #ur#ose with economy in #roceure. *esearch esign is /roaly

classifie into three ty#es as

• )6#loratory *esearch Design

• Descri#tive *esearch Design

• 8ausal *esearch Design

' have chosen the escri#tive research esign.

DES#!I(TIVE !ESEA!#$ DESIN?

Descri#tive research stuies are those stuies which are concerne with

escri/e the characteristics of #articular iniviual.

'n escri#tive as well as in iagnostic stuies, the researcher must /e a/le

to efine clearly, what he wants to measure an must fin aeuate

methos for measuring it along with a clear cut efinition of #o#ulation

he want to stuy. (ince the aim is to o/tain com#lete an accurate

information in the sai stuies, the #roceure to /e use must /e carefully

#lanne. The research esign must make enough #rovision for #rotection

against /ias an must ma6imi4e relia/ility, with ue concern for the

economical com#letion of the research stuy.

:


60/105

MET$OD ADO(TEDThe metho ao#te for the stuy is survey metho. The ata

is collecte through uestionnaires. The sam#le si4e for car market is

for 2 wheeler market are an for customer it is 2:0. The sam#ling use

for collecting ata from the customers is acciential sam#ling.

SU!VE& (%A#E

The #roect has /een one in Gha4ia/a 8ity, in (tate

Uttaranchal with ;LUO%' $+&+8)*( D(& $ '8'8' B&+0


61/105

FIE%DWO!-

The uestionnaire aministrating covere a #erio of

-0 ays. &ll the maor showrooms of vehicle are visite an the

a##ro#riate ata was collecte through filling uestionnaire /y the

a##ro#riate #erson.

art from these 2:0 customers has /een surveye

through es#ecially esigne uestionnaire to know the sco#e of vehicle

finance in Gha4ia/a.

>"


62/105

DATA ANA%&SIS

FI NO =.SA%ES #$A!T OF T$E TWO W$EE%E!

#OM(ANIES IN $A32 >22 ::": "30

2 C+D& 2>00 ">0 "0 2300 "-0 "0

3 C.C+D&

2-00 "-00 "000 2-00 "-00 "000

- TF( 2":0 ">00 ::0 2-00 ">00 00

: C)* 00 :00 300 :0 :00 3:0

H&%&C& -00 200 200 >00 300 300

*.)+$'LD

"> 3 - 2 "-3 "--

L%L III III III 00 >-0 ">0

howroom was not thereThe a/ove ta/le is showing the cash, finance an total sales of two

wheelers 8om#anies in Gha4ia/a in last 2 years.

>2


63/105

FI NO :

SA%ES !OWT$ OF TWO W$EE%E!S IN$A3


64/105

FI NO B

#AS$ AND FINAN#ED SA%ES !ATIO OF TWOW$EE%E!S MA!-ET IN $A-


65/105

FI NO 9

TOTA% SA%ES OF TWO W$EE%E!S

#OM(ANIES IN $A:


66/105

FI NO >

SA%ES !OWT$ OF TWO W$EE%E!S#OM(ANIES IN $A

L%L III 00 @@@@@@

IIIshowroom was not there in 2003@0-

The a/ove ta/le is showing the #ercentage of sales growth of two wheeler

com#anies in Gha4ia/a in last one year.

>>


67/105

FI NO @

#AS$ AND FINAN#ED SA%ES OF TWOW$EE%E!S #OM(ANIES IN $A


68/105

FI NO. 8

FINAN#ED !OWT$ OF T$E TWO W$EE%E! #OM(ANIES

( +o. 8%P&+H $'+&+8)D$ 2003@200-

$'+&+8)D$ 200-@200:

$'+&+8)DG*?TC'+ A

" B&& ">32 "30 @"."

2 C+D& "0 "0 @"0.

3 C C+D& "000 "000 (T&BL)

- TF( ::0 00 R-:.-:

: 00 :0 @3.33

> C)* 300 3:0 R">.>

H&%&C& 200 300 R:0.00

* *+$'LD - "- R".-3

L%L III ">0 @@@@@@


The a/ove ta/le is showing the #ercentage of finance growth of two

wheeler com#anies in Gha4ia/a in last one year.

>


69/105

FI NO

MA!-ET S$A!E OF TWO W$EE%E!

#OM(ANIES in :66B69

MA!-ET S$A!E OF TWO W$EE%E!

#OM(ANIES in :6696>

The a/ove fig showing the market share of two wheeler com#anies inGha4ia/a.

>


70/105

FI NO. 7

TOTA% SA%ES #$A!T OF T$E FOU! W$EE%E!S MA!-ET IN $A

3 T&T& :0 2 ::2 3"" :

- G %T*( ""0 2 "0 "2: 2 "23

: ( 00 00 00 ">00 00 00


The a/ove ta/le is showing the total sales of four wheeler com#anies

incluing cash an finance sales in Gha4ia/a in last one year.

0


71/105

FI NO =6

TOTA% SA%ES !OWT$ OF FOU! W$EE%E!SMA!-ET IN $A


72/105

FI NO ==

#AS$ AND FINAN#ED !ATIO OF FOU! W$EE%E!S MA!-ET 2ast : 3ear sa2es

8&(C &+D $'+&+8)D A '+ 2003@0-

8&(C &+D $'+&+8)D A '+ 2003@0-

The a/ove gra#hs are showing the #ercentage of cash an finance ratio

of four wheelers in Gha4ia/a.

2


73/105

FI NO =:

TOTA% SA%ES OF FOU! W$EE%E! #OM(ANIES IN $A


74/105

FI NO. =B

SA%ES !OWT$ OF T$E FOU! W$EE%E!

#OM(ANIES IN $A00 ">00 (T&BL)

IIIIshowroom was not there in 2003@0-

The a/ove ta/le is showing the #ercentage of sales growth of four


-


75/105

FI NO =9

#AS$ AND FINAN#ED !ATIO OF FOU! W$EE%E!S MA!-ET

8ash an finance sales in 2003@0-

8ash an finance sales in 2003@0-

The a/ove gra#h is showing the cash an finance sales of four wheelers

com#anies.

:


76/105

FI NO. =>

FINAN#ED !OWT$ OF T$E FOU! W$EE%E!

#OM(ANIES

( +o. 8%P&+H $'+&+8)D$ 2003@

200-

$'+&+8)D$ 200-@

200:

$'+&+8)DG*?TC

'+ A" CHU+D&' 3 :- R-.32

2 TH&T& "22 "3> R"".-

3 T&T& ::2 : R>.:2

- G %T*( "0 "23 R"3.

: (.0

%&*UT' 00 00 (T&BL)

IIIIshowroom was not there in 2003@0-

The a/ove ta/le is showing the #ercentage of finance growth of four


>


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FI NO =@

MA!-ET S$A!E OF FOU! W$EE%E! #OM(ANIES IN :66B69

MA!-ET S$A!E OF FOU! W$EE%E!

#OM(ANIES IN :6696>

The a/ove ta/le is showing the #ercentage of market share of four

wheeler com#anies in last one year.


78/105

FI NO =

(!EFE!EN#E OF VE$I#%E

ut of 2:0 sam#le si4e -0 #ercent res#one to /ike, 3: #ercent

res#one to cars an remaining 2: #ercent res#one to scooty.

FI NO :A4e wise 0referen1e of ,ikes

ut of -0 #ercent who res#on for /ike are most of "@2: years age

grou# /ecause youngsters mostly #refer /ike to others.

(cooty

(cooty


79/105

FI NO B

A4e Wise (referen1e To S1oot3

ut of 2: #ercent who res#on for scooty are mostly of "@2: years of

age grou# /ecause mile class grou#s an girls mostly #refer scooty to

others. &s it is easy, comforta/le an economical.

FI NO 9

AE WISE (!EFE!EN#E OF #A!S

ut of 3: #ercent who res#ons for cars are mostly of 3:@:0 years age


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/ecause higher income grou#s mostly #refer cars to others /ecause it

/elongs to the status. 'n aition to this there is one more reason why

#eo#le #refer cars in a ay there is easy availa/ility of financing schemes

at minimal rate of interest.

FI No >

(!IO!ITIES IN S#OOT& SEMENT

Peo#le #refer fuel efficiency more in scooty than other #riorities /ecause

mile class mostly #urchase scooty an they want it more economical

for them.

0


81/105

FI NO @

(!IO!ITIES IN ,I-ES SEMENT

Peo#le #refer look an fuel efficiency more in /ikes than other #riorities

/ecause youngsters mostly #refer look in /ikes.

FI NO 8

(!IO!ITIES IN #A!S SEMENT

'n car segment #eo#le #refer fuel efficiency an look simultaneously.

"


82/105

FI NO

#AS$FINAN#E !ATIO IN ,I-ES

'n /ikes segment >- #ercent #eo#le wants to #urchase /ike on finance an

3> #ercent wants on cash /asis.

FI NO 7

#AS$FINAN#E !ATIO IN S#OOT&

'n scooter segment -: #ercent #eo#le wants to #urchase scootey on

finance /asis an :: #ercent on cash /asis.

2


83/105

FI NO =6

#AS$FINANA#E !ATIO IN #A!S

'n car segment #ercent #eo#le want to #urchase car on finance /asis

an 22 #ercent on cash.

FI NO ==

(!IO!ITIES OF S#$EME

Peo#le mostly #refer low interest rate schemes an more time #erio of

)%' to other schemes.

3


84/105


85/105

. $inance sales of four wheeler are increasing very fast than cash

sales.

. 'n car segment there are various moels availa/le for every class of

customer.

"0.'n customer survey it has /een foun that there is a lot of sco#e for

vehicle finance in Gha4ia/a in future.

:


86/105

SUESTIONS AND !E#OMMENDATIONS

". &s the market is growing in Gha4ia/a so there is a lot of sco#e for

vehicle finance in Gha4ia/a so '8'8' /ank shoul kee# this thingin

min an make the vehicle finance more comforta/le for customer.

2. '8'8' Bank shoul cover all vehicle ealers in Gha4ia/a.

3. '8'8' B&+< shoul make vehicle finance easier an hassle free to

customer.

-. &s #eo#le still on5t know a/out the schemes of '8'8' B&+< in

Gha4ia/a so '8'8' B&+< shoul o cam#aigning at ifferent

locations at Gha4ia/a to increase awareness a/out the /ank

e6istence .

:. '8'8' B&+< shoul focus on /etter communications /etween

vehicle ealers an the /ank to maintain goo relationshi#.

>. '8'8' B&+< shoul make #eo#le aware a/out their vehicle

finance schemes to #eo#le of Gha4ia/a to attract more customers.

. '8'8' B&+< shoul #ay attention towars these vehicle ealers

>


87/105

which are oing well in Gha4ia/a.

. '8'8' /ank shoul go for more eye catching avertisement

#rogrammers an roasie horings.

. '8'8' B&+< shoul introuce new an attractive vehiclefinancing

schemes like 0A interest schemes on some s#ecial occasions.

"0.'8'8' B&+< shoul evelo# a healthy com#etition /etween the

two wheeler ealers through various incentives schemes.

"".'8'8' B&+< shoul avertise a/out their schemes in leaing news

#a#er ofGha4ia/a like &mar Uala,Danik agran,Times of 'nia

etc.

"2.CD$8 B&+< shoul offer more attractive schemes of vehicle

finance on leaing vehicle com#anies to ca#ture the market.


88/105

%IMITATIONS OF SU!VE&

". (am#le si4e of customers is very small ie.. 2:0 #eo#le as com#are

to survey #lace ie. Gha4ia/a.

2. 'n our customer survey some #eo#le was not reay to fill the

uestionnaire.

3. (ometimes ue to lack of res#onent5s su##ort it has /ecome

ifficult to get reuire information.

-. The ata collecte is a##ro6imate as it is o/ligatory for every

com#any to isguise its actual ata.

:. The tool we use for the stuy was the structure uestionnaire

which is itself has narrow sco#e.

>. The analysis one has got limite sco#e.


89/105

TWO W$EE%E! DEA%E! IN $A2 C&*'D?&* *&DPC+) +U%B)* E 2-"3,2-3

:. +&%) $ 8%P&+H E C+D& +&%) $ D)&L)* E )(( )LL %T*(&DD*)(( E -->:,D)C*&DU+ *&DPC+) +U%B)* E 2-3>2,2-3>3


90/105

>. +&%) $ 8%P&+H E H&%&C& +&%) $ D)&L)* E (C*)) F&(U %T*8H8L)(&DD*)(( E 23,8'F'L L'+)( GC&N'&B&DPC+) +U%B)* E 2>:-2>

. +&%) $ 8%P&+H E *H&L )+$'LD +&%) $ D)&L)* E &CU& )+T)*P*'()(&DD*)(( E - 8'F'L L'+)(PC+) +U%B)* E 2>:02

. +&%) $ 8%P&+H E

0


91/105

FOU! W$EE%E! DEA%E!S IN $A2,2>--"

3. +&%) $ 8%P&+H E T&T& +&%) $ D)&L)* E %&L?& %T*(&DD*)(( E 8'F'L L'+)(PC+) +U%B)* E 2>-0""

-. +&%) $ 8%P&+H E $'&T +&%) $ D)&L)* E $'&T %T*8*&$T

&UT%T'F)&DD*)(( E (UBC&(C +&G&* 8C?


92/105

:. +&%) $ 8%P&+H E %&C'+D*& &+D %&C'+D*& +&%) $ D)&L)* E GC&N'&B&D P*)%')*

%T*( PFT LTD&DD*)(( E --3,8'F'L L'+)( C&*D?&*

*&DPC+) +U%B)* E 2>00:,2>20:

>. +&%) $ 8%P&+H E %&*UT' +&%) $ D)&L)* E (C&


93/105

UESTIONNA!E FO! DEA%E!S

"9 +ame of Dealer .

29 +ame of 8om#any

39 Details of $irm

+ame ..

&ress .

Phone +o. 79

3


94/105

7*9

) %ail 'D ..

-9 +. of years in the %arket of Gha4ia/a.

:9 +um/er of two wheeler %oels

( +o. %oel Price

a9

/9

c9

9

>9 +um/er of $our wheeler %oels

( +o. %oel Price

a9

/9

-


95/105

c9

9

9 $inancing com#anies you are attache with

a9 CD$8

/9 '8'8'

c9 8'T' B&+


96/105

9 Last two year$inance sales of Two wheeler in figure

H)&* %D)L(

2003@200-

200-@200:

"09 Last two year cash sales of $ourwheeler in figure

H)&* %D)L(

2003@200-

200-@200:

>


97/105

""9 Last two year $inance sales of $ourwheeler in

figure

H)&* %D)L(

2003@200-

200-@200:

"29 'f any new financing com#any #resents its financing

#lan what will /e your

res#onse..

"39 'f yes, what will /e the criteria

"-9 &ny other information .


98/105

(ignature

+ame


99/105

#USTOME! UESTIONNAI!E

".+&%) .

2.?C'8C &G) G*UP D HU B)L+G

7&9 "@2:

7B9 2:@3:

7B9 3:@:0

7D9 &/ove :0

3.?C'8C F)C'8L) D HU ?&+T T PU*8C&()

7&9B'


100/105

7B98&*

789(8TH

-.C? D HU *&T) TC) $LL?'+G &TT*'BUT)(7+

(8&L) "@9 ?C'L) PU*8C&('+G & F)C'8L)

7&9L


101/105

>.'$ $'+&+8)D TC) P*'*'TH $ $'+&+8'&L '+(T'TUT'+

7&9 *&T) $ '+T)*)(T

7B9 D?+ P&H%)+T (8C)%)

789 T'%) P)*'D $ )%'

7D9 L)(( P&P)* ?*


102/105

.?CH D HU P*)$)* TC) P&*T'8UL&* '+(T'TUT'+

.?CH HU D+5T P*)$)* TC) &((8'&T)(

"0.C? %&+H $'+&+8'&L '+(T'TUT'+( TC&T $'+&+8)

F)C'8L)( D HU


103/105

"".D HU ?&+T ()8U*)D L&+ * U+()8U*)D L&+(

7&9 ()8U*)D

7B9 U+()8U*)D

"2.HU* &++U&L '+8%)

7&90@>0,000

7B9>0,000@",00,000

789",00,000@",:0,000

7D9",:0,000@2,:0,000

7)9&BF) 2,:0,000

"3. ?C&T &BUT L&+ *)P&H%)+T

7&9&+U&LLH

789 %+TCLH

"-.D HU C&F) &+H L&+ &8 '+ &+H B&+


104/105

&8 +

('G+&TU*)

+&%)

BIBLIOGRAPHY

REFERENCE BOOK:

• Marketing Research (Author- G C Beri)

(Publish by Tata McGraw ill Publishing Co! "T#!$ %ew#elhi)Thir& '&ition (22)

• Marketing Manageent (Author- Ra*an +e,ana)

(Publish by Tata McGraw ill Publishing Co! "T#$ %ew #elhi)

"0-


105/105

+econ& '&ition (2)

• Marketing Manageent (Author- R + +e,ana)

(Publish by ialaya Publication$ %ew #elhi)%inth '&ition (2)

• Marketing Manageent (Author- Phili. /otler)

(Publish by Pren Tice-hall o0 1n&ia PT! "T#!$ %ew #elhi)%inth '&ition (22)

• Research Metho&ology (Author- Bhan&rai)

Print 2$ secon& e&ition

WE, SITE?

• www!icici!co

• www!google!co

• www!carsloanin&ia!co

• www!re&i00!co
http://www.icici.com/http://www.google.com/http://www.carsloanindia.com/http://www.rediff.com/http://www.icici.com/http://www.google.com/http://www.carsloanindia.com/http://www.rediff.com/

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